Call reports 2001
WNB FINANCIAL, NATIONAL ASSOCIATION — 2001
What WNB FINANCIAL, NATIONAL ASSOCIATION reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 146,596,000 | 142,314,000 | 140,333,000 | 233,308,000 |
| Total loans | 111,166,000 | 107,401,000 | 102,802,000 | 158,622,000 |
| Allowance for loan losses | 1,266,000 | 1,477,000 | 1,621,000 | 3,258,000 |
| Securities available for sale | 24,210,000 | 21,196,000 | 23,046,000 | 53,320,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,458,000 | 117,384,000 | 115,074,000 | 199,177,000 |
| Interest-bearing deposits | 102,955,000 | 101,657,000 | 99,701,000 | 173,851,000 |
| Noninterest-bearing deposits | 15,503,000 | 15,727,000 | 15,373,000 | 25,326,000 |
| Equity capital | 14,889,000 | 15,239,000 | 15,610,000 | 22,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,766,000 | 5,481,000 | 8,042,000 | 17,198,000 |
| Interest expense | 1,312,000 | 2,437,000 | 3,447,000 | 7,650,000 |
| Net interest income | 1,454,000 | 3,044,000 | 4,595,000 | 9,548,000 |
| Noninterest income | 335,000 | 560,000 | 842,000 | 1,552,000 |
| Noninterest expense | 1,103,000 | 2,204,000 | 3,389,000 | 7,261,000 |
| Provision for loan losses | 360,000 | 510,000 | 660,000 | 1,745,000 |
| Pretax income | 329,000 | 893,000 | 1,391,000 | 2,127,000 |
| Income tax | 33,000 | 53,000 | 53,000 | 71,000 |
| Net income | 296,000 | 840,000 | 1,338,000 | 2,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,665,000 | 14,948,000 | 15,044,000 | 22,125,000 |
| Total capital | 15,931,000 | 16,254,000 | 16,317,000 | 24,212,000 |
| Risk-weighted assets | 104,692,000 | 104,199,000 | 101,468,000 | 165,802,000 |